Skip to main content

Security report for hnb.hr

Hrvatska narodna banka · Finance · Croatia

Medium risk. 7 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

70/100

Risk levelMedium

0–100, higher is better. How it is calculated

Hrvatska narodna banka (HNB) is the central bank of the Republic of Croatia, responsible for monetary policy, financial stability, banking supervision, and currency issuance. The website serves as an official portal providing comprehensive information about the bank's functions, regulatory framework, statistics, publications, and consumer protection. It targets a broad audience including the general public, financial institutions, and government entities. The site is well-structured and professionally maintained, reflecting the bank's authoritative position in the Croatian financial sector. Technically, the website is built on the Liferay CMS platform, utilizing modern JavaScript frameworks such as React and Alloy UI. It employs Google Tag Manager for analytics and tracking, and the site is optimized for both desktop and mobile devices with a moderate performance profile. Accessibility and SEO practices are basic but adequate for the target audience. From a security perspective, the site enforces HTTPS, includes standard security headers, and avoids exposing sensitive data. However, explicit security policies, incident response contacts, and vulnerability disclosure mechanisms are not publicly documented, representing areas for improvement. Privacy and cookie policies are present and indicate GDPR compliance, with consent mechanisms implemented. Overall, the website demonstrates a strong business credibility and security posture appropriate for a national central bank. Strategic recommendations include publishing detailed security and incident response policies, enhancing accessibility features, and maintaining regular audits of third-party scripts to ensure ongoing security and compliance.

Scanned

NIS2 and GDPR posture

GDPR outside view
25/ 100 · Critical
Checks completed
7of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

7 findings rated critical or high. Fix these first.

  1. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • Critical

      EU business without adequate privacy measures

      EU businesses are subject to strict GDPR requirements

      What to do: Implement comprehensive GDPR compliance including privacy policy, cookie consent, and data protection measures

    • High

      No Privacy Policy found

      GDPR requires a clear and accessible privacy policy

      What to do: Add a comprehensive privacy policy page and link to it prominently

    • High

      No Cookie Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

  2. Security headers

    Security headers are instructions your web server sends to every visitor’s browser. Missing ones leave visitors more exposed to attacks such as clickjacking and injected scripts.

    • High

      Missing Strict-Transport-Security header

      Forces HTTPS connections

      What to do: Add "Strict-Transport-Security: max-age=31536000; includeSubDomains; preload"

      • CWE-319
      • OWASP A04:2025
      • ASVS V3.4.1
    • High

      Missing Content-Security-Policy header

      Controls resources the browser is allowed to load

      What to do: Implement a Content-Security-Policy appropriate for your application

      • ASVS V3.4.3
      • OWASP Secure Headers: OWASP Secure Headers Project recommends Content-Security-Policy: default-src 'self'; form-action 'self'; base-uri 'self'; object-src 'none';…

Need hands-on remediation? Email guard@offseq.com

Keep watching hnb.hr

This scan found 17 issues across 6 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

Daily monitoring

Recommended

€25per month

  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

Email alerts on material changes and an exportable JSON history of every change.

Billed monthly to your card. Cancel anytime. See sample alerts.

Full report

€39.90one-time

  • The complete analysis as a PDF you can cite
  • Email delivery with an unlock code
  • Lifetime access to this report

Prices incl. 21% VAT. Secure checkout by Mollie; sold by SEQ SIA, Latvia.

Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
77
Security headers
45
Email security
85
DNS health
85
Network security
100
GDPR outside view
25
Average
70

Not counted

  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

HNB holds a critical position as Croatia's central bank, overseeing monetary policy, financial system stability, and banking supervision. Its business model is centered on regulatory authority and public service rather than commercial profit. The website reflects this by providing extensive regulatory, statistical, and educational content. The bank's long domain history and official .hr domain reinforce its market position and trustworthiness. The absence of commercial advertising and affiliate programs aligns with its government entity status. The site supports transparency and public engagement through detailed publications and open consultations, indicating a mature governance approach. Partnerships with European and international financial institutions are implied through content but not explicitly linked. The bank's digital presence is focused on information dissemination and regulatory compliance, targeting financial professionals, institutions, and the general public. Growth indicators include expanding digital content and integration of modern web technologies. The partnership ecosystem is primarily governmental and regulatory, with no commercial subsidiaries or related domains detected.

Security posture

The website exhibits a mature security posture with enforced HTTPS, appropriate security headers, and no visible exposure of sensitive information. The use of nonce attributes in scripts and content security policies suggests attention to cross-site scripting mitigation. However, the lack of publicly available security policies, incident response contacts, and vulnerability disclosure programs indicates gaps in transparency and preparedness communication. No vulnerable or outdated libraries were detected in the provided HTML content. Privacy compliance is well addressed with GDPR-aligned policies and cookie consent mechanisms. The site does not appear to use aggressive user tracking, limiting privacy risks. Overall, the security maturity is strong but could benefit from enhanced documentation and user-facing security information.

Recommendations

  1. Publish a dedicated security policy page detailing security practices and standards.
  2. Establish and publicize an incident response contact channel for security issues.
  3. Implement and disclose a vulnerability disclosure program or security.txt file.
  4. Enhance website accessibility to meet higher standards for users with disabilities.
  5. Conduct regular security audits of third-party scripts and dependencies.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Hrvatska narodna banka
Description
Web stranica Hrvatske narodne banke, središnje banke Republike Hrvatske
Key services
Monetary policy implementation, Financial stability oversight, Banking supervision, Currency issuance and management, Statistical data publication, Consumer protection in financial services
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, React, YUI, Liferay Portal, Google Tag Manager
Frameworks
Liferay, AUI (Alloy UI), React
Platforms
Web, Desktop, Mobile (responsive design)
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • Use of nonce in scripts
  • No visible vulnerable libraries detected

Analytics and tracking

Services
Google Tag Manager
Tracking level
minimal
Privacy practices
good

Advertising

Transparency
basic

Site quality

Design
good
User experience
good
Content relevance
good
Navigation
good
Professionalism
good
Trustworthiness
high

Key observations

  1. Website is professionally designed and maintained by a government entity
  2. Content is comprehensive and well-structured for public and institutional users
  3. Use of modern web technologies and CMS (Liferay) indicates digital maturity
  4. Security posture is strong with HTTPS and security headers in place
  5. Privacy and cookie policies are present and GDPR compliant
  6. No signs of suspicious or malicious activity detected
  7. No explicit contact emails or phone numbers visible in the HTML snippet but contact pages exist
  8. No terms of service page explicitly found
  9. No vulnerability disclosure or security.txt found
Technical notes

Notes

The website is built on the Liferay CMS platform, leveraging JavaScript frameworks including React and Alloy UI. It uses Google Tag Manager for analytics and tracking, with asynchronous script loading to optimize performance. The site is responsive and mobile-friendly, though accessibility features are basic. The infrastructure appears stable and professionally managed, with combined and minified resources for efficiency. Hosting is likely provided by CARNET or a government-affiliated provider, consistent with the domain registration data. Performance is moderate, with room for improvement in load times and accessibility compliance. The technical stack is modern and appropriate for a government financial institution, supporting scalability and maintainability.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

Reviews of this site

Share your experience with hnb.hr. Every review is verified by email and published after moderation.

Overall rating
Select a rating
4000 characters remaining

We’ll email you to confirm your review and keep your details private.

Community rating

No published reviews yet. Be the first to review hnb.hr.

Feedback on this report

Rate this report, add an optional comment, and tell us if you want a security specialist to follow up.

Overall report quality
Select a rating
2000 characters remaining

We only use your feedback to improve Guard reports. Contact details are never shared.